Q: How do I know if I need to upgrade?

To see if your card needs an upgrade: Log into the myWisely ® app or mywisely.com . Locate Upgrade on the main page. If you do not see an upgrade option, you may already have an upgraded card but haven’t opted in to unlock additional features. Log into the myWisely ® app or mywisely.com . Opt in to the features you’d like to use. If you think you have a card that needs an upgrade, upgrade it now . Note: Upgrades may not be available for all members.

Q: How does a secondary cardholder activate their card?

To activate the Wisely ® card and set a PIN (Personal Identification Number), the secondary cardholder can use the myWisely ® app or visit mywisely.com . The secondary member may also call to activate their card. Wisely Pay members: 1-866-313-6901 Wisely Direct members: 1-866-313-9029 Wisely Cash members: 1-877-431-5860 How do I know which card I have? Secondary cardholders will use their personal information, such as Social Security number, to activate their Wisely card.

Question 1

How can I upgrade my card?

Accepted Answer

If your employer provided you with your Wisely prepaid debit card to receive direct deposit, you might be eligible for an upgrade.

You must be logged into your account on the myWisely^® app or mywisely.com to begin the upgrade process. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file. Upgrade now.

Question 2

How do I activate my card?

Accepted Answer

Once you’ve received your card, you will need to activate it and set your PIN (Personal Identification Number). For security purposes, do not use personal information as your PIN.

To activate your Wisely card

Log into the myWisely^® app or mywisely.com.
Click or tap on Activate Card and follow the instructions.

You may also call Wisely Customer Service to activate your card.

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

Question 3

How do I get started with early direct deposit?

Accepted Answer

To receive early direct deposit you must opt in to receive your pay up to 2 days early. Learn how to set up early direct deposit.

Question 4

How do I know if I have a Wisely Direct or Wisely Pay card?

Accepted Answer

Check on the back of your card for the small print on the lower half (as shown below) to see your card type.

Back of Wisely Pay card

Back of Wisely Direct card

Question 5

How do I know if I need to upgrade?

Accepted Answer

To see if your card needs an upgrade:

Log into the myWisely^® app or mywisely.com.
Locate Upgrade on the main page.

If you do not see an upgrade option, you may already have an upgraded card but haven’t opted in to unlock additional features.

Log into the myWisely^® app or mywisely.com.
Opt in to the features you’d like to use.

If you think you have a card that needs an upgrade, upgrade it now.

Note: Upgrades may not be available for all members.

Question 6

How do I sign up for Wisely if my employer doesn&#8217;t offer a Wisely card?

Accepted Answer

It’s easy! To get started, you’ll need your:

Contact information
Permanent address
Social Security number

There’s no credit check required. Enroll now.

Question 7

How does a secondary cardholder activate their card?

Accepted Answer

To activate the Wisely^® card and set a PIN (Personal Identification Number), the secondary cardholder can use the myWisely^® app or visit mywisely.com. The secondary member may also call to activate their card.

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

How do I know which card I have?

Secondary cardholders will use their personal information, such as Social Security number, to activate their Wisely card.

Question 8

How is a Wisely prepaid debit card different from a regular debit card?

Accepted Answer

One of the main differences between a Wisely prepaid debit card and a regular debit card is that Wisely offers prepaid debit cards vs. a deposit-based account. With a Wisely card, there are no overdraft fees because you can’t spend more than what is available on your card. In cases where identity verification is needed, Wisely does this without checking your credit or impacting your score in any way. A Wisely prepaid debit card is also reloadable, so you can add funds to it in a variety of ways. A regular debit card is tied to an account, which usually holds deposited funds. You can then access the funds by writing checks and making ATM withdrawals or electronic transfers.

Question 9

How long will it take to get my personalized card in the mail?

Accepted Answer

You should receive your card in the mail 7-10 business days after enrollment. If you don’t, give us a call.

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

How do I know which card I have?

Question 10

How much does it cost to upgrade my card?

Accepted Answer

There is no cost to upgrade your card. You must be logged into your account on the myWisely^® app or mywisely.com to begin the upgrade process. Requesting an upgrade will automatically initiate an identity verification process utilizing your personal information already on file. Upgrade now.

Question 11

What are the benefits of upgrading my card?

Accepted Answer

After you complete an upgrade, you will have access to new features within the myWisely^® app or online at mywisely.com:

Load additional funds to your card from a second job, tax refunds or other government benefits – at no cost
Add funds at retail locations.
Deposit check funds using the myWisely^® app.

Learn all the benefits of upgrading.

Note: You must be logged into your account on the myWisely^® app or mywisely.com to begin the upgrade process. Upgrade now.

Question 12

What happens if I don’t receive my Wisely card in the mail?

Accepted Answer

Please allow 7-10 business days to receive your card. You can check the myWisely^® app for shipping status and estimated delivery timing.

For additional assistance

Wisely Pay members: 1-866-313-6901

Wisely Direct members: 1-866-313-9029

Wisely Cash members: 1-877-431-5860

How do I know which card I have?

Question 13

What if I don&#8217;t know the Social Security number for my secondary cardholder?

Accepted Answer

Unfortunately, you will need to have this information on hand in order to request a Wisely^® card for a secondary cardholder.

Question 14

What is a prepaid debit card?

Accepted Answer

A prepaid debit card is a type of payment card that allows you to put a specific amount of money onto the card in advance. You can then use the card to make online and in-store purchases, withdraw cash from ATMs, pay bills online, and perform other transactions wherever Visa^® debit card or Debit Mastercard^® is accepted. Prepaid debit cards are reloadable cards that allow you to add funds in various ways, including direct deposit, but also at major retail chains, for example. People sometimes prefer prepaid debit cards to other types of accounts because they often require no monthly minimums and have no overdraft fees. You can only spend what you have on the card.

Question 15

What is an upgrade?

Accepted Answer

An upgrade, if available to you, gives you full access to Wisely card features:

And more! There is no cost to upgrade. Upgrade now.

Find out more about upgrades.

Note: Upgrades may not be available for all members.

Question 16

Where can I get the myWisely app?

Accepted Answer

The myWisely^® app can be downloaded from either the App Store^® or on Google Play™:

Use the myWisely^® app to access your account anywhere, anytime: check your balance, view transaction history, find nearby ATMs or see spending trends while you’re on the go.

Note: The myWisely^® app is only available on the following devices using the following versions: iPhone (iOS 14.0 and up) and Android (6.0 and up).

Get Started

How can I upgrade my card?

How do I activate my card?

How do I get started with early direct deposit?

How do I know if I have a Wisely Direct or Wisely Pay card?

How do I know if I need to upgrade?

How do I sign up for Wisely if my employer doesn’t offer a Wisely card?

How does a secondary cardholder activate their card?

How is a Wisely prepaid debit card different from a regular debit card?

How long will it take to get my personalized card in the mail?

How much does it cost to upgrade my card?

What are the benefits of upgrading my card?

What happens if I don’t receive my Wisely card in the mail?

What if I don’t know the Social Security number for my secondary cardholder?

What is a prepaid debit card?

What is an upgrade?

Where can I get the myWisely app?